摘要：健全的金融消费者保护体系，体现了一个国家金融业国际竞争力的紧要表现，同时也成为维护金融稳定以及金融安全的重要保障。自从2008开始的全世界金融危机的蔓延，让人们的视野逐渐焦点于金融消费者权益的保护。以美国为代表的发达国家再一次提及金融消费者保护的必要性，并快速议定有关立法及许多相关的措施，进一步强化金融消费者权益保护，使得国际社会又再次关注于此。中国政府也一向非常注重金融消费者权益的保护。在本文中，针对当前存在的问题，通过吸收各国的经验和教训,对金融消费者保护理论研究与实践探寻进行相对系统的总结，随着我国金融业的不断发展，金融消费者保护需要不断加强。通过金融消费者保护的理论与实践研究，能够积极地在金融消费者保护方面得出更多有益的探索。

关键词:金融消费者保护 权益保护 次贷危机

Abstract: Perfect financial consumer protection system, is the important aspect of a nation's financial industry international competitiveness, but also an important guarantee of maintaining financial stability and financial security. Since 2008 the outbreak of the global financial crisis, it is the line of sight of people focused on the protection of consumers' rights and interests. Developed countries represented by America reiterated the importance of financial consumer protection, and quickly through legislation and a series of measures, further strengthen the financial consumers' rights and interests protection, caused the wide attention of the international community. Our government has attached great importance to the financial consumers' rights and interests protection. In this paper, aiming at the problems at present, through draw lessons and experiences from country to country, the financial consumer protection theory research and practical exploration on the summary of the relative system, with the continuous development of China's financial sector, financial consumer protection needs strengthening. Through theory and practice of financial consumer protection research, can actively in the aspect of financial consumer protection more beneficial exploration.

Key word:Financial consumer protection；protection of the rights and interests ；The subprime mortgage crisis